CPF LIFE Calculator: Your Retirement Sum at 55 and Monthly Payout
Your CPF today
From the CPF app. MediSave is not counted: it stays for healthcare.
Your pay
CPF applies up to S$8,000.
Projected at 55 (2046)
S$696,644Sums for your cohort are estimated from the published 2027 sums.
OA at 55
S$476k
SA at 55
S$220k
Interest earned
S$217k
Over 20 years
OA and SA by age
- OA
- SA
CPF has published sums up to 2027 (BRS S$114,100, FRS S$228,200). 2026 to 2027 was a 3.5% rise.
This is an estimate, not a CPF statement. It assumes 2026 CPF rates and allocation, OA interest at 2.5% and SA at 4% plus the extra 1% on the first S$60,000, no withdrawals for housing or education unless you choose so above, and no top-ups. The payout uses CPF Board's published Standard Plan figures for a male member turning 55 in 2026; women typically receive slightly less per month as payouts last longer. Check your own figures in CPF's Retirement Payout Planner.
Estimated CPF LIFE payout from 65
S$1,780 / month
- Savings at 55 (SA + OA)
- S$696,644
- FRS for your cohort (est.)
- S$438,715
- Above that, withdrawable at 55
- S$257,929
- CPF LIFE at the FRS
- S$1,780 / month
How this works
For members turning 55 in 2026, the Basic Retirement Sum (BRS) is S$110,200, the Full Retirement Sum (FRS) S$220,400 and the Enhanced Retirement Sum (ERS) S$440,800. CPF has published S$114,100, S$228,200 and S$456,400 for 2027. For later years the sums are an editable assumption (3.5% a year, the 2026 to 2027 rise).
We project your Ordinary and Special Account month by month to 55 using 2026 CPF contribution and allocation rates, OA interest of 2.5% and SA interest of 4% (the floor, extended to 31 December 2027), and the extra 1% on the first S$60,000 of balances (OA counts up to S$20,000), credited yearly. Pay rises are an editable assumption. MediSave is left out. At 55, your Retirement Account is formed from SA, then OA, up to the sum you choose.
The payout is read from CPF Board's published CPF LIFE Standard Plan estimates for a male member turning 55 in 2026, starting at 65: S$950 a month for the BRS, S$1,780 for the FRS and S$3,440 for the ERS, with points between interpolated. For later cohorts we read the table at the same share of the FRS, so the payout is shown in 2026 terms. Actual payouts depend on your plan, sex, top-ups and future interest.
FAQs
What is the Full Retirement Sum in 2026?
S$220,400 for members turning 55 in 2026. The Basic Retirement Sum is S$110,200 and the Enhanced Retirement Sum S$440,800. For those turning 55 in 2027 the FRS is S$228,200.
How much will I get from CPF LIFE?
About S$1,780 a month from 65 if you set aside the Full Retirement Sum (S$220,400) at 55 in 2026, on the Standard Plan. CPF estimates S$950 for the Basic Retirement Sum and S$3,440 for the Enhanced Retirement Sum.
What are CPF interest rates in 2026?
2.5% on the Ordinary Account and 4% on the Special, MediSave and Retirement Accounts for October to December 2026, both floor rates. The first S$60,000 of combined balances earns an extra 1% (extra 2% on the first S$30,000 from age 55). The 4% floor has been extended to 31 December 2027.
Can I withdraw my CPF at 55?
Yes, savings above your Full Retirement Sum, or above the Basic Retirement Sum if you pledge a property lasting to age 95, can be withdrawn from 55. You can always withdraw at least S$5,000. The rest stays in your Retirement Account to fund CPF LIFE payouts from 65.